Consumer Finance

Representative experience

Advised two major retail banks on an extensive audit of their consumer credit lending against regulatory requirements in the UK.

Advised a number of UK lenders on the implementation of the mortgage credit directive.

Advised on the design of innovative and first-to-market financial products, including the first current account mortgage, P2P loans, and online executive of consumer credit agreements.

Advised on the launches of P2P lenders Zopa and Wonga and on the ongoing structuring of BancAlliance and Fundation's partnership on small business lending.

News

Implementing UK Consumer Duty: Prioritisation, delivering real change, and teamwork are key

25 January 2023

The FCA has published its findings from its review of the Consumer Duty implementation plans of around 60 of the largest retail financial services firms who have fixed FCA supervisory...

Insights and Analysis

UK Consumer Duty – the products and services outcome

23 January 2023

We are seeing a number of notable issues arising for firms in relation to the “products and services” outcome under the Consumer Duty, and which they will need to take into...

News

New Regulatory Framework for Public Offerings in Brazil Comes Into Force

Registered Content

18 January 2023

In July 2022, the Brazilian Securities and Exchange Commission (Comissão de Valores Mo..

Insights and Analysis

Consumer Duty: Achieving good outcomes for vulnerable customers

10 January 2023

The new Consumer Duty rules build on the FCA’s vulnerable customer guidance in FG21/1 and place a great emphasis on the fair treatment of vulnerable customers as an integral part of...

News

Edinburgh Reforms – quick guide and timeline

16 December 2022

Following the announcement of the Edinburgh Reforms on 9 December 2022, we have put together a quick guide and timeline to help with navigating the measures. These extensive and significant ...

Insights and Analysis

Achieving good outcomes whilst managing competing priorities - Quality Assurance

16 December 2022

The months ahead are set to be challenging for all with the cost of living crisis taking its grip on all firms and customers, incoming regulatory changes such as the UK’s Consumer...

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